Hi, I’m
Senia Lopez
Underwriter
Summary
Highly motivated professional fully dedicated to excelling independently and within a team environment. Excellent strategic planning skills utilized in successful partnerships with all levels of business management and team members. Team-oriented with a successful background in all aspects of residential mortgage lending. More than 20 years of progressive experience in all phases of residential mortgage sales and conventional mortgage banking. Skilled in real estate underwriting dedicated to maximizing productivity and efficiency. Great personality, problem solver, exceptional written and verbal communication skills and time management skills. Ability to exercise good judgment and solve problems independently. Ready to take on the challenges, required by the employer, with the upmost professionalism. Desire to contribute in a variety of ways to the overall success of the enterprise. Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as a skilled underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud. Talented underwriter with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.
Overview
21
years of professional experience
Work History
Wells Fargo Bank California
Senior Quality assurance administrator
02.2023 - 01.2024
Job overview
- Reviewed previously underwritten files to ensure policy and investor guidelines were met
- Worked on projects in connection with the Office of the Controller of Currency.
- Supported a culture of continuous learning by sharing best practices and lessons learned with team members and stakeholders.
- Recommended solutions which were implemented for a better outcome for the customer and enterprise.
- Streamlined QA processes for increased efficiency and reduced testing time, leading to quicker product releases.
Wells Fargo Bank California
Underwriter
02.2019 - 02.2023
Job overview
- Collaborated, communicated and built strong partnerships with sales teams and management, clients, client advisors, legal department, wealth advisors as well as policy makers, senior risk management and lending management to find financially responsible solutions
- Possess a superior ability to identify, evaluate, and challenge risks to balance the impact to customers, business, and institution demonstrating excellent problem solving, research and analysis skills
- Trusted to work outside corporate policy and make policy exceptions when warranted due to significant expertise and judgment in the financial field and mortgage
- Consistently performed in the top 10% of the national production as well as in the top 5% of the regional rankings while operating in the most difficult and complex region nationally demonstrating the ability to prioritize work, meet deadlines and achieve goals
- Maintained a perfect quality scorecard and top of the ranking customer service scores demonstrating the rare ability to be efficient and productive without sacrificing quality
- Trained and mentored new hires or promoted employees
- Analyzed and decisioned extremely complex, high profile, Wealth Investment Management high wealth mortgage client applications
- Subject matter expert on complex business tax returns, cash flow, asset-based income calculation, diversified portfolios, non-qualified and qualified mortgage, Portfolio, Fannie Mae, Freddie Mac, FHA mortgage products as well as system navigation
- Made sound and informed decisions, offered policy exception when applicable and supported by the overall profile as well as offered alternative solutions if customer requested terms were unavailable
- Serviced files from submission to closing to provide beginning to end customer service for sales partners and clients
- Created detailed and informed credit memo reports to accurately detail the risks and offsets of a client profile to support the decision rendered
- Enhanced a business process which led to reduce risk and positive outcome for the customer
- Knowledge and understanding of underwriting policies and procedures, investor guidelines, and regulatory updates.
Wells Fargo
Home loan Processor
01.2016 - 01.2019
Job overview
- Responsible for file review of complex home loan applications
- Functions included, set timely and clear communication with customers, HMCs, settlement agents, brokers, and other counter-parties to obtain missing information and documentation for the loan file; obtaining and possibly clearing some approval stipulations; submitting loan file to underwriting for review; ensuring all compliance and underwriting guidelines are met; entering loan information into the system; prioritizing and/or managing assigned pipeline to meet anticipated closing date and performance metrics
- Provided guidance and training to other Mortgage Processors
- Offering or negotiating of terms and/or taking an application for a dwelling secured transaction
- Analyzed most complex financial and credit information for high dollar customer loans according to business unit standards
- Pre-Underwrites high dollar loans with higher aggregate credit exposure and manage a more complex portfolio
- Compiles, analyzes, and documents loan data and credit risk, borrower and property information
- Mentors or review analysis of less experienced processors
- Extensive pre-underwriting experience which includes experience in reviewing Self-employment, Corporate, and Partnerships tax returns and advanced asset analysis.
Wells Fargo
Mortgage Servicing Specialist
01.2003 - 01.2012
Job overview
- I worked on a high-priority items within a team environment to update call center operations business manuals to improve efficiencies and provide clear direction
- Acting supervisor/manager when they are out of office with the ability to analyze technical and business options
- Facilitated new hires classes with company policies and procedures
- Respond to phone inquiries for escalated complaints
- Learned the operations of the call center environment and the importance of management
- Won several times team member of the month nominations and top performer on various objectives year after year.
Education
Chaffey CollegeRancho Cucamonga, CA
No Degree from Business Administration
University of PennsylvaniaPhiladelphia, PA
No Degree from Psychology
Skills
- Mortgage Underwriting
- Coaching & Mentoring
- Credit Risk Management
- Program Implementation
- Financial Analysis & Structuring
- Excellent verbal and communication skill
- Credit Analysis Research and critical thinker
- Risk assessment
- Attention to detail
- Time management
- Risk Mitigation
- Caseload Management
Timeline
Senior Quality assurance administrator
Wells Fargo Bank California
02.2023 - 01.2024
Underwriter
Wells Fargo Bank California
02.2019 - 02.2023
Home loan Processor
Wells Fargo
01.2016 - 01.2019
Mortgage Servicing Specialist
Wells Fargo
01.2003 - 01.2012
Chaffey College
No Degree from Business Administration
University of Pennsylvania
No Degree from Psychology
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